For renewals as of and after January 1, 2013 the methodology for calculating an “interstate” experience modification will be drastically changing. The bottom line is that those with poor experience are going to see drastic increases in their experience modification, while those with excellent history will see decreases. This is very important to all employers […]
Today the Supreme Court of the United States upheld the constitutionality of the individual mandate provision of the Patient Protection and Affordable Care Act (PPACA). Accordingly, PPACA’s current health insurance reform provisions will remain in force and we will continue implementing the law, as applicable. Background PPACA became law on March 23, 2010. Shortly thereafter, […]
We are delighted to have the National Brian Tumor Society as one of our clients. Did you know that this year alone, more than 210,000 Americans will be diagnosed with a brain tumor? National Brain Tumor Society (NBTS) is fiercely committed to finding better treatments, and ultimately a cure, for people living with a brain […]
Do your employees travel to states other than where your business is domiciled? Do your employees perform work in other states? Understanding how Workers Compensation laws respond to interstate operations is important to ensure that you are in compliance with state employment laws. Workers Compensation insurance is regulated at the state level. Benefit schedules for […]
An employee handbook serves as a vital communications tool between a company and its employees. When well prepared, it informs employees about their employer’s mission, its employment policies and perks, and the consequences of not following the rules-all in a tone appropriate to the reading audience. A comprehensive, clearly written employee handbook also can be […]
Inland Marine policies, as compared to Ocean Marine policies, are meant to cover non ocean related property that is under construction, moves from place to place or is of special or high value. These features usually do not make them good candidates to be insured by standard business property policies. The term “Inland Marine” covers […]
Liability risk is everywhere: at home, on the road, on vacation. It’s an unfortunate fact that accidents can stem from everyday activities and lead to costly lawsuits. Do you: Own a pool or trampoline? Entertain? Have excited pets? Spend time behind the wheel? Have a teen driver in the household? Own a recreational vehicle or […]
The U.S. Department of Labor issued a Final Rule implementing Executive Order # 13495, Nondisplacement of Qualified Workers under Service Contracts, signed by President Obama on January 30, 2009. The Order and the final rule require contractors and subcontractors who are awarded a federal service contract to provide the same or similar services at the […]
With their college degrees in hand, it’s time for the recent graduates in your life to take on the responsibilities that come with the rewards of financial independence. And given today’s economic challenges, it’s critical for them to establish good money management habits from the outset. Here are some key personal financial tips you can […]
A national early education organization, Jumpstart helps at-risk children develop the language and literacy skills they need to be successful in school, setting them on a path to close the achievement gap before it is too late. Every year, thousands of preschool children benefit from this program, the only supplemental pre-K program of its kind, […]